What Happens If You Get in an Accident Without Insurance in Texas?

Navigating the aftermath of a car accident can be a complex and stressful experience. Understanding the potential consequences and legal implications is crucial for anyone driving in Texas.

Legal and Financial Consequences

If you are involved in an accident and do not have insurance, you may face several legal and financial repercussions. You could be cited for driving without insurance, resulting in fines, court costs and additional penalties.

Beyond the immediate legal consequences, the financial impact can be significant. Without insurance, you can be held personally responsible for covering the costs of third-party damage or injuries if you are at fault.

Impact on Driving Privileges and Future Insurance

An accident without insurance can also affect your driving privileges. In Texas, if you are found at fault in an accident and do not have insurance, your driver’s license and vehicle registration may be suspended. You may need to provide proof of insurance to reinstate your driving privileges. Additionally, you may be required to file an SR-22 form, a certificate of financial responsibility proving you have the necessary insurance coverage. This requirement can last several years, often increasing insurance premiums.

Being involved in an accident without insurance can make it more difficult and expensive to obtain insurance in the future. Insurance companies may view you as a high-risk driver, leading to higher premiums or even denial of coverage.

Learn More

Contact Pan American Insurance to learn about your auto insurance options. Our team can help you get appropriate coverage, even if you are currently uninsured.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.